Are you ready for a clear direction in lending?

Meet The Gerhardsons

Renowned for their honesty, integrity, and genuine kindness, the Gerhardsons have dedicated their careers to guiding clients through the mortgage process with transparency and care.


Whether you’re exploring home loans in MN, seeking MHFA loans in Minnesota, or navigating the complexities of foreign national loans in FL, Angie and Shawn are there to provide tailored solutions with your best interest at heart. As part of Luminate Home Loans, they bring a wealth of knowledge and a personal touch to every interaction.


Choose the Gerhardson team for a seamless, heartfelt mortgage experience where your financial goals are met with the utmost respect and professionalism.

Get In Touch With Us

$3.01 Billion

Funded in 2023

49 States

We Can Originate In

96

Locations

642+

Employees & Growing

Our Core Values

Honesty, integrity, and kindness—that’s how we approach mortgage lending. Our team is always looking out for your best interest because we treat you as an individual, not just as a number.


At Luminate Home Loans, our mission is to unlock people's full potential through finances and provide them with clarity at every step along the way. We make lending approachable by bringing transparency and consistency to every part of the financial world—guiding people to decisions that they feel are in their best interest. It's our goal to help you feel informed and engaged at every turn.

We focus on people.

We wouldn’t be who we are without people like you. Your character counts because it helps us learn and grow together. That’s why it’s our goal to open financial doors for everyone.

We grow from the fire within.

Here at Luminate, we are passionate people. The heart and soul of our team are centralized on being the guiding light for individuals like yourself so that we can grow together. We truly want our passion to help elevate you on your financial journey.

We radiate through consistency.

Stay humble, work hard—that’s one of our mottos here at Luminate. Our approach is to provide reliable customer service for everyone, giving you that peace of mind that comes with consistency.

We strive for clarity.

Reputation is at our core. By having respect for others and ourselves, we always bring a straightforward approach to your finances. The more clarity we provide, the more comfortable you’ll be.

We make homebuying

Easy Peasy,

Lemon Squeezy!

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